Policy Services

Information Required

Policy number, insured person's name, incident date, location and cause, current circumstances and contact details.

General Required Documents

• Claim form in the insurer's prescribed format, completed and signed by hand
• Identification: copies of the insured person's / beneficiary's identity card, travel permit or passport
• Policy documents: copies of the policy schedule and relevant terms

Medical / Hospitalisation Insurance

• Inpatient: discharge summary, original hospital receipts, itemised charges, diagnosis and examination reports, including pathology or imaging where applicable
• Outpatient: medical records, payment receipts and examination reports

Critical Illness Insurance

• Diagnosis, pathology and specialist reports meeting the policy's definition of the critical illness

Life Insurance · Death Claims

• Death certificate, household registration cancellation certificate, beneficiary identification, proof of relationship and will, if any

Accident Insurance

• Evidence of the accident, such as police or traffic reports, medical records and disability assessment, where applicable

Submission Methods

• By post: send by SF Express to the insurer's claims department in Hong Kong, China (use the official address).
• Online: upload scanned documents through the insurer's app or website, where supported.
• With assistance from your insurance representative

Reporting Deadline

• Medical claims: generally within 90 days of discharge
• Critical illness / death claims: within 180 days of diagnosis / death, subject to policy terms

Before Submitting

• Complete all forms and check signatures
• Ensure all documents are clear, complete and unaltered
• Send photographs to your adviser for a preliminary check to reduce missing-document delays

Premium Savings Account

For certain policies, claims may be paid into the policy account to offset premiums or accumulate interest.